The Consumer Financial Protection Bureau (CFPB) publishes each complaint it forwards to a financial institution, the company's response category, and, until 2017, whether the consumer disputed it. The database records no company response date. We show that initial response timeliness is a compliance flag that varies for 2.4% of complaints, and that the only continuous timing field, the CFPB routing delay from receipt to transmission, is an administrative delay that precedes the company's involvement. In 737,010 complaints resolved by 4,092 institutions, with the dispute outcome recovered from an archived vintage, complaints closed with monetary relief are disputed 12.4 percentage points less often than similar complaints closed with an explanation (95% CI −13.4 to −11.4). The association survives fixed effects, narrative based severity controls, and sensitivity bounds, but the company chooses the response, so we report it as an association. Within firm, product, month, channel, and category cells, routing delay is associated with fewer disputes among complaints closed with an explanation (−1.1 points per log day, CI −1.4 to −0.8) or with no relief −1.8, CI −2.7 to −1.0), and with no change among complaints closed with monetary relief. Dispute indicators should be conditioned on routing delay, channel, and product.